Single Female, age 39 — published premium data across District of Columbia (2024)
The driver, exactly as DISB defines it
Single Female, age 39. The vehicle used in our comparison is a three year old Toyota Camry Model, 4-door sedan with a 4-cylinder engine. Our comparison assumes that each of the sample drivers has a clean driving record, mid-range insurance score, and drives to work between 3-15 miles each way. The coverages quoted provide for the following minimum limits of insurance for required coverages: • Bodily Injury: $25,000 Per Person Per Accident/$50,000 For All Persons Per Accident/$500 Deductible • Physical Damage: $10,000 Per Accident/$500 Deductible • Uninsured Motorist Bodily Injury: $25,000 Per Person Per Accident/$50,000 For All Persons Per Accident/$500 Deductible • Uninsured Motorist Physical Damage: $5,000 Per Accident/$200 deductible Companies may have options in the liability limits that they offer. You should check with the companies for what limits are available. Our sample profile uses the minimum coverage limits required to be offered by District of Columbia law. These sample profile rate comparisons are for illustration purposes only. Coverages quoted: Bodily Injury: $25,000 Per Person Per Accident/$50,000 For All Persons Per Accident/$500 Deductible; Physical Damage: $10,000 Per Accident/$500 Deductible; Uninsured Motorist Bodily Injury: $25,000 Per Person Per Accident/$50,000 For All Persons Per Accident/$500; Uninsured Motorist Physical Damage: $5,000 Per…
Filed rates for this profile run $281 to $3,430.
District of Columbia Department of Insurance, Securities and Banking · rates effective 15 August 2024 · six-month premiums · 29 filed rates · retrieved 9 August 2026 · source document
These rates are 24 months old
District of Columbia Department of Insurance, Securities and Banking last published this survey with rates effective 15 August 2024. The market has moved since. For the direction of prices now, see the US car-insurance price index.
- Jurisdiction published
- 1
- Filed rates
- 29
- Geographic median gap
- single geography
- Policy term
- six-month
| Jurisdiction | Filed rates (n) | Lowest | 25th percentile | Median | 75th percentile | Highest |
|---|---|---|---|---|---|---|
| District of Columbia | 29 | $281 | $482 | $710 | $1,242 | $3,430 |
What these figures are, and what they are not
Each figure is computed from the premiums insurers filed with District of Columbia Department of Insurance, Securities and Banking for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.
Minimum required limits for a six-month policy: Bodily Injury: $25,000 Per Person Per Accident/$50,000 For All Persons Per Accident/$500 Deductible; Physical Damage: $10,000 Per Accident/$500 Deductible; Uninsured Motorist Bodily Injury: $25,000 Per Person Per Accident/$50,000 For All Persons Per Accident/$500; Uninsured Motorist Physical Damage: $5,000 Per Accident/$200 deductible. DISB publishes a rate-effective date PER COMPANY rather than one date for the survey — in this edition they span 2022-11-07 to 2024-08-15. The date carried here (2024-08-15) is the guide's own publication date. DISB publishes one District-wide sample and no geographic breakdown, so every profile has a single area. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.
What District of Columbia requires by statute
District of Columbia's statutory minimum liability limits are 25/50/10. The profile above buys the coverage DISB specified for its own survey, which is a separate question from the legal minimum. Car-insurance requirements in District of Columbia.
Coverage gap calculator
A liability limit caps what the policy pays. Anything above it is the at-fault driver’s own exposure. This works out the difference against the limits in your state’s statute — nothing else.
Above the limit
$32,000
A $42,000 property damage claim against District of Columbia’s statutory minimum property damage of $10,000 leaves $32,000 above the limit.
General information, not insurance, financial or legal advice. Coverage requirements change; verify with your state insurance department or the statute before acting. Nothing you type here leaves your browser.
Every other profile DISB publishes
- Married Couple, age 25
- Married Couple, age 39
- Married Couple, age 66
- Single Female, age 25
- Single Female, age 66
- Single Male, age 25
- Single Male, age 39
- Single Male, age 66
All District of Columbia premium data · District of Columbia requirements
Questions about this profile
- Which driver does this page describe?
- Single Female, age 39. The vehicle used in our comparison is a three year old Toyota Camry Model, 4-door sedan with a 4-cylinder engine. Our comparison assumes that each of the sample drivers has a clean driving record, mid-range insurance score, and drives to work between 3-15 miles each way. The coverages quoted provide for the following minimum limits of insurance for required coverages: • Bodily Injury: $25,000 Per Person Per Accident/$50,000 For All Persons Per Accident/$500 Deductible • Physical Damage: $10,000 Per Accident/$500 Deductible • Uninsured Motorist Bodily Injury: $25,000 Per…
- Why does the same driver cost so differently by jurisdiction?
- District of Columbia Department of Insurance, Securities and Banking publishes a single geography for this survey, so no geographic comparison is available.
- Are these six-month premiums?
- District of Columbia Department of Insurance, Securities and Banking publishes six-month premiums. This site never converts between the two terms and never places one state's figures beside another's.
Source: District of Columbia Department of Insurance, Securities and Banking, rates effective 15 August 2024. Retrieved 9 August 2026. 29 filed rates aggregated into the 1 distributions above; statewide the survey holds 261 filed rates across 9 distributions. Widest single-cell spread on this page: 12.2×.